Fair, intuitive and transparent pricing
This means we take the following into account when calculating your renewal premium:
A - your Age
B - the Base rate increase
C - an adjustment for the Claims you have made and your Vitality status. This is the part of your renewal premium that you can control.
The increase in your renewal premium will be the sum of these three items: A+B+C.
As it is more likely you will need to claim as you get older, your premium will rise each year to take account of this.
How the Base rate increase affects your premium
The base rate increase takes into account the change in what hospitals and other providers charge for their services, including the cost of advances in medical technology and drugs. Where you live and your level of cover can also affect the base rate increase.
How Claims affect your premium
We look at the amount paid out in claims over the preceding plan year for everyone on your plan. If you only make a small claim, or no claims at all, you’ll receive a lower increase.
How Vitality status affects your premium
Regardless of whether you make a claim, increasing your Vitality status can reduce the increase to your premium.
The more points you earn, the higher your Vitality status, the bigger the rewards and the lower your premium can be. Here’s how many points you need for each status when there is one adult on the plan:
Frequently asked questions
How much will my premium rise due to age?
How much will the premium rise due to the base rate increase?
How are your renewal premiums unique?
Will I keep my no-claims discount if I switch to Vitality from another insurer?
Our Switch & Save pricing considers any existing no-claims discount. This means if you have a no-claims discount, we'll take this into account when we calculate your starting price.
When will you calculate my renewal premium?
In your first plan year, we’ll calculate the total amount we’ve paid in claims for you (and any insured dependants) during your first ten months of cover. In each plan year after that, we’ll calculate the total we’ve paid in claims for you (and any insured dependants) for the last two months of the previous plan year, as well as the first ten months of the current plan year.
Do all claims affect renewal premiums or are some excluded?
Claims paid under the following plan benefits won’t affect your renewal premium:
- Primary Care Benefit, including consultations with a Vitality GP or private GP on our provider panel
- Prescription charges or minor diagnostic tests ordered by a Vitality GP or private GP on our provider panel
- NHS Hospital Cash Benefit
- Childbirth Cash Benefit
- Optical, Dental and Hearing Cover (if you have this benefit)
- Worldwide Travel Cover (if you have this benefit).